Mr. Kevin Cardiff:

Well, that's quite possible. Why didn't we react more quickly? Well, at the time, we were still funding quite well in the markets so we didn't need an additional funder at that moment, and we didn't have any difficulty in the funding markets really until the end of the summer. So, it would have been one you would file away as being potentially useful. Really, the great thing is so long as you know the facility is there if you need it, or could be there if you need it, you don't need to exercise it. The knowledge that it's there is very powerful in itself. So, I think that it would just be a matter of timing after that, Deputy.